Zero Down:

Ideal for people who either don't have a lot of ready cash for a down payment or are saving their funds for other uses.

1. Combines a home loan and a home equity loan or line of credit into one low monthly payment.
2. Increases savings by avoiding PMI (mortgage insurance).
3. Increases the amount of your mortgage tax deduction.

Fixed Rates

This loan is for people planning to stay in a home for more than five years.

1. Stability and peace of mind with fixed principal and interest payments for the life of your loan.
2. Protect yourself from rising rate increases.

Fixed ARMs

A "fixed period" ARM offers the lowest rates. A great choice if you're planning to move or refinance within the initial fixed loan period.

1. Adjustable Rate Mortgages (ARMs) offer the stability fixed for 1 month, 6 months, 1,3,5,7 or 10 years.
2. A great way to buy more home or minimizemonthly payments.

Interest Only

Looking for low monthly payments? Pay only the interest -- not the principal -- for the first 10 years of the loan.

1. Frees up cash for investments, tuition, home improvements etc.
   OR
2. Use the lower payments to qualify for up to 25% more home.
3. Ideal if you're planning to move or refinance before the 10 year interest-only expires.

Stated Income

This loan is perfect if you're self employed or have large portions of your income that you can't document.

1. No documentation means less paperwork.
2. Requires only verification of employment - not income.

 

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